Pensions

Pension Products

We’ll look at what you’ve got, what you’re paying, how it’s structured and what your options are.

Are you paying too much in service fees? How and when can you access your pension? How many pensions do you have? And if you have more than one, should we look at tidying that up and consolidating them?

We ask questions that many people don’t immediately know the answers to. Then we’ll help them unravel it all and work out some answers – answers that aim to get clients into a better position pension-wise for the future so they can plan accordingly.

Clients generally get referred to us by other satisfied clients. That speaks volumes.

When we take on a client it works something like this: We don’t charge for our initial conversation. The client will authorise us to contact their pension providers via a signed letter of authority enabling us access to relevant information. Once that’s done, we’ll have a more in-depth discussion about options, and we’ll start to formulate an idea as to how we can help. Maybe we can’t – maybe the client is already enrolled in a very high-performing scheme and if that’s the case, we’ll say so.

Once a client has engaged us fees will be incurred. We will outline in advance exactly what those fees are and how it works on an ongoing basis. Nothing hidden, no small print, no surprises.

Fees are calculated annually but generally paid monthly.

We review and report on the performance of clients’ investments every 12 months – either via a statement or a face-to-face meeting. How is the fund is doing? What has it achieved? Anything else to be factored in? We’ll ask the client for any comments and for them to complete an attitude-to-risk questionnaire.

Throughout the relationship, we keep in regular contact with our clients.